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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,814 | $32,117+170.3% | $71,086+22.1% | $64,173+35.3% |
| Participation rate | 10.3% | 42.7%-32.4pp | 54.7%-44.3pp | 69.6%-59.2pp |
| Annual return | -9.68% | -5.57%-4.1pp | 650.59%-660.3pp | 7.63%-17.3pp |
| Employer contribution / active EE | $503 | $712-29.3% | $1,088-53.7% | $2,381-78.9% |
| Participant deferral / active EE | $1,483 | $1,263+17.4% | $1,874-20.9% | $3,470-57.3% |
| Admin fee / account holder | $1,998 | $2,759-27.6% | $3,082-35.2% | $4,887-59.1% |